Exhibit 12.1

Ratio of Earnings to Fixed Charges	Twelve Months Ended December 31,
	2017				2016				2015				2014				2013
(dollar amounts in millions)
Earnings:
Income before income taxes	$	1,394			$	920			$	914			$	853			$	869
Add: Fixed charges, excluding interest on deposits	275				181				100				71				57
Earnings available for fixed charges, excluding interest on deposits	1,669				1,101				1,014				924				926
Add: Interest on deposits	180				102				82				86				116
Earnings available for fixed charges, including interest on deposits	$	1,849			$	1,203			$	1,096			$	1,010			$	1,042
Fixed Charges:
Interest expense, excluding interest on deposits	$	251			$	161			$	82			$	53			$	40
Interest factor in net rental expense	24				20				18				18				17
Total fixed charges, excluding interest on deposits	275				181				100				71				57
Add: Interest on deposits	180				102				82				86				116
Total fixed charges, including interest on deposits	$	455			$	283			$	182			$	157			$	173
Ratio of Earnings to Fixed Charges
Excluding interest on deposits	6.07			X	6.07			X	10.17			X	13.07			X	16.23			X
Including interest on deposits	4.06			X	4.25			X	6.03			X	6.43			X	6.01			X